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The rise of the robo-advisors, over the last decade, has changed the way people do their investing. These automated platforms can make investing accessible, affordable, and efficient. With low fees, intelligent algorithms, and growing popularity, robo-advisors are attracting everybody, including investors who, with minimal involvement, get to grow their wealth, and this is happening without much effort. The intensification of competition among the robo-advisors continues as we approach the year 2025. Here is the overview of the best high-yield robo-advisors of this year. Wealthfront has emerged as a leading robo-advisory service, diversified in its approach to investing. This platform uses advanced features such as automated tax-loss harvesting to help investors save on taxes while maximizing their returns. The portfolio strategy of Wealthfront considers international markets, thus exposing an investor to a variety of asset classes, including stocks, bonds, and real estate. The advantage of Wealthfront is in ease of use. The user interface of the platform is not hard for beginners to use, as it is for experienced investors. At an annual fee of 0.25%, the charge is pretty straightforward and fairly low. Besides being low-cost, Wealthfront features financial planning tools that make it easier for investors to create their own strategies and achieve long-term success. For anyone seeking an all-in-one solution that generates maximum returns while minimizing taxes, Wealthfront is one of the best options available in 2025. Betterment is one more top robo-advisors in the marketplace today, especially for those interested in a more tailored way of investing. It permits users to set particular financial goals, such as retirement or buying a house, and tailors portfolios toward specific goals. Betterment truly stands out with superior tax strategies, including tax-loss harvesting and tax-coordinated portfolios, which can give investors the maximum returns of after-tax dollars. Betterment's fee structure is very competitive and starts at 0.25% for its digital accounts. While more expensive than several other robo-advisors, the added features, especially goal-based investment and advanced tax strategies, are worth the extra cost. A conservative investor or someone with a higher risk tolerance will be able to find that customized portfolios offered by Betterment can assist in meeting their unique needs within 2025. Schwab Intelligent Portfolios sets itself apart from other robo-advisors with its compelling fee structure: no advisory fees.Schwab differs from other investment platforms by focusing on long-term, low-cost investing strategies. The algorithms create diversified portfolios based on your risk tolerance, automatically rebalancing your portfolio as market conditions change. No management fees with Schwab Intelligent Portfolios and that can make a great difference in long-term returns. Still, the required minimum investment is $5,000, which possibly is more than some other robo-advisors. For the investors looking at maximizing returns with minimal fees, a low-cost tax-efficient strategy coupled with a no-fee structure, makes Schwab an attractive proposition for 2025. M1 Finance is the way to go for those wanting a higher level of control over the choices for investment but still reap the automation. The platform enables the selection of individual stocks or ETFs that will comprise their portfolio, after which it will automatically rebalance them based on their wishes. M1 Finance takes the best of both worlds: customization and automation. This platform is ideal for investors who would like to choose specific assets but have no time to do this portfolio manually. Fees are competitive, and the ability of portfolio rebalancing to be automated makes M1 Finance one of the top contenders for 2025. Ellevest is a robo-advisor focused on women investors, offering individualized portfolios and financial planning solutions tailored to the specific needs of women investors to overcome unique financial obstacles. Ellevest does impact investing and socially responsible portfolios, which gives them an edge in being suitable for investors who seek not only to grow their money but also to create value. Ellevest charges at least $12 per month, which is more than some of the other platforms, but its focus on gender-specific financial planning tools makes it a powerful resource for women looking to take charge of their financial future in 2025. With its goal-based investment strategies and personalized approach, Ellevest is a top choice for socially-conscious investors. Robo-advisors are changing the face of investment, making high-quality financial management accessible to everyone, regardless of their level of expertise. These platforms use advanced algorithms to manage portfolios, minimize risk, and optimize returns—all while keeping fees low. By 2025, robo-advisors will continue to play a crucial role in helping investors of all levels achieve their financial goals with minimal effort. Low fees: Many robo-advisors charge lower fees than traditional financial advisors, which also means better returns over the long run. Automation: Robo-advisors take care of portfolio rebalancing and adjustments and let the investor sit back and relax while their investment grows. Diversification: Most platforms offer diversified portfolios across different asset classes, which reduces risk but increases potential returns. Customization: Many robo-advisors provide tailor-made investment strategies based on your financial goals, your risk tolerance, and the time horizon. Moving into 2025, robo-advisors will only get more powerful and sophisticated. Wealthfront, Betterment, Schwab Intelligent Portfolios, M1 Finance, and Ellevest are good options for investors seeking a high return with low fees. From tax-efficient strategies to goal-based investing , to a hybrid approach with more control over your portfolio, there's a robo-advisor to suit every need. Robo-advisors present a very compelling solution for modern investors, with tools and strategies that enable the building of wealth over time with minimal effort.online games in the philippines 。

The Wildcats now have won 17 of their last 19 meetings with the Blue Hens, who played their final regular season game as an FCS-member. Delaware will join the FBS and join Conference USA for the 2025 season. Villanova (9-3, 6-2 Coastal Athletic Association) took a 21-0 lead five minutes into the second quarter after David Avit scored from a yard out, Brendan Bell returned an interception 38 yards for a touchdown and Watkins fired a 36-yard touchdown pass to Kenyon Miles. But Delaware (9-2, 6-2) scored three times in the final eight minutes of the half, with JoJo Bermudez scoring from 14-yards out and Marcus Yarns punching in from the 1, then catching a Nick Minicucci pass for a 65-yard touchdown with :32 left. Connor Watkins ran up the middle on a quarterback draw for a 38-yard touchdown to put the Wildcats in front, but Minicucci answered with a six-yard touchdown to Jo'Nathan Silver to send the game into the fourth quarter tied at 28-28. Gettman put the Wildcats in top for good with 8:41 left and Bell scored on a six-yard run with 7:39 remaining. Watkins was 13 of 30 passing for 203 yards with a touchdown and an interception and carried eight times for 79 yards. Minicucci was 18 of 33 for 195 yards with two touchdowns and a pair of interceptions. Yarns carried 20 times for 100 yards and caught three passes for 74 yards. Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football

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SK Hynix announced on April 24 that its board of directors had approved the decision to designate the new M15X fab, to be built in Cheongju, North Chungcheong Province, as a DRAM production facility. The company also revealed plans to invest 5.3 trillion won in the fab’s construction. The image shows a rendering of the M15X fab. (Yonhap) SEOUL, Dec. 16 (Korea Bizwire) – SK Hynix is accelerating efforts to expand its high-bandwidth memory (HBM) production capabilities by staffing its new M15X fab in Cheongju, South Korea. The move underscores the company’s commitment to maintaining its leadership in the HBM market amid robust AI-driven demand expected to outstrip supply through 2025. The M15X fab, a $15 billion investment, is set to focus on HBM production, with completion slated for November 2025. While construction is ongoing, SK Hynix is reallocating key personnel from its Icheon campus to Cheongju to lay the groundwork for operations, including infrastructure setup and equipment installation. The company plans to hire additional engineers and deploy staff through flexible internal programs to fully staff the facility, which complements SK Hynix’s existing fabs: Cheongju for NAND flash and Icheon for DRAM production. On the morning of October 23, high-bandwidth memory (HBM) was on display at the SK Hynix booth during the 26th Semiconductor Exhibition SEDEX 2024, held at COEX in Gangnam, Seoul. (Yonhap) HBM remains a critical growth driver for SK Hynix, fueled by soaring AI chip demand. The company has fully booked its HBM capacity for 2025, with major clients like NVIDIA requesting accelerated delivery schedules. Chairman Chey Tae-won highlighted this urgency, noting NVIDIA CEO Jensen Huang’s request to expedite HBM4 supply by six months. Despite some concerns over potential supply gluts, SK Hynix projects continued strong demand, driven by expanding AI investments and next-generation GPU development. Industry analysts support this outlook, with TrendForce predicting tight supply for HBM3E chips in 2025. SK Hynix has already integrated advanced TSV (through-silicon via) technology into its existing M15 fab, laying the foundation for HBM production. The company’s aggressive R&D efforts include the recent launch of 12-layer HBM3E chips, with 16-layer HBM3E chips expected by mid-2025. Additionally, SK Hynix plans to release its 6th-generation HBM4 products in late 2025. HBM now accounts for 40% of SK Hynix’s DRAM revenue, a share expected to grow as the company strengthens its production capabilities at M15X. This strategic expansion ensures SK Hynix remains well-positioned to supply high-performance memory products to AI leaders like NVIDIA while reinforcing its dominance in a rapidly growing market. Kevin Lee (kevinlee@koreabizwire.com)Shoppers have been left bemused after spotting Easter eggs on supermarket shelves before New Year’s Eve. With Easter Sunday falling on April 20 next year, customers shared their confusion on social media after finding chocolate eggs and hot cross buns already for sale in shops including Morrisons, Tesco and Asda. One user, @Jingle1991, shared an image of Malteser Bunnies in Sainsbury’s on Christmas Eve and pointed out: “Jesus hasn’t even been born yet.” Meanwhile, Gary Evans from Margate shared a shot of Creme Eggs on display in Morrisons in Margate on Boxing Day. “I just think its crazy that everything is so superficial and meaninglessly commercial... (there’s) something quite frantic about it,” the 66-year-old told the PA news agency. No Shame.Morrisons.Easter eggs.Boxing Day. December 26th.Peace on Earth pic.twitter.com/slGoIjOpRq — Gary Evans (@GaryEva04679693) December 26, 2024 Joseph Robinson found Easter confectionary including Cadbury Mini Eggs, and themed Kit-Kat and Kinder Surprise products at his local Morrisons in Stoke-on-Trent on Friday evening. “It’s funny, as they’ve not even managed to shift the Christmas chocolates off the shelves yet and they’re already stocking for Easter,” the 35-year-old admin support worker told PA. “I wish that Supermarkets weren’t so blatantly consumerist-driven and would actually allow customers and staff a time to decompress during the Christmas period.” @Morrisons It’s not even a full 2025 and you’re already stocking for easter.Kindly get in the bin pic.twitter.com/kLS7DGSRXt — Joseph (@stokegoblin) December 27, 2024 Asked if he was tempted to make a purchase, Mr Robinson added: “As a vegan it holds no appeal to me!” Mike Chalmers, a devout Christian from Chippenham, Wiltshire, was slightly less critical after spotting a display entitled: “Celebrate this Easter with Cadbury.” Easter is for life, not just for Christmas(Photo today in Morrisons!) pic.twitter.com/VmdJ31La9r — Mike Chalmers (@realMChalmers) December 27, 2024 “Christmas and Easter are the two centrepoints of the Christian good news story so it’s no bad thing to see the connections,” the 44-year-old said. “It’s about more than shapes of chocolate though!” Marketing consultant Andrew Wallis admitted he was surprised to see Easter eggs in the Co-op in Kilgetty, Pembrokeshire, but added it also illustrates “forward-thinking” from big businesses. Christmas isn’t even over, and Easter eggs are already on the shelves. Say what you want about it—but big brands don’t wait. They plan ahead and act fast. Are you doing the same? Your future self will thank you pic.twitter.com/Sl9qd7sOGS — andrewwallis (@andrewwallis) December 27, 2024 “It made me reflect on how big brands are always thinking ahead and planning early,” the 54-year-old from the Isle of Man, who provides marketing advice to the fitness industry, told PA. “My message to retailers would be: while planning ahead is important, it’s also essential to be mindful of consumer sentiment. “Some might feel it’s too early for seasonal products like this but others might see it as a sign of forward-thinking. “Striking the right balance is key to keeping customers happy.”White House gives major update on the source of drones swarming over New Jersey The Pentagon, FBI and Department of Homeland Security are investigating CLICK HERE: Sign up for DailyMail.com's daily U.S. politics newsletter By GEOFF EARLE, DEPUTY U.S. POLITICAL EDITOR Published: 23:46, 16 December 2024 | Updated: 23:50, 16 December 2024 e-mail View comments With lawmakers seeing stars over the government's failure to provide an explanation for the spate of drone sightings over New Jersey, the White House pointed to the heavens in its latest attempt to provide an answer for the phenomenon. With powerful figures including Donald Trump and Charles Schumer demanding answers, White House national security spokesman John Kirby attempted to confront the fury, beginning his remarks to reporters Monday by pointing to the proliferation of hobbyist drones over the sky. 'There are more than 1 million drones that are lawfully registered with the Federal Aviation Administration here in the United States, and there are thousands of commercial hobbyists and law enforcement drones that are lawfully in the sky on any given day,' Kirby told reporters. He said the FBI had received tips on 5,000 drone sightings in recent weeks of which 100 they 'felt needed to be followed up on.' Then Kirby pointed to the array of explanations over what U.S. officials believe to be in the skies, having looked at the various tips – even saying misidentified stars were part of the problem. 'We assess that the sightings to date include a combination of lawful commercial drones, hobbyist drones, and law enforcement drones, as well as manned fixed-wing aircraft, helicopters and even stars that were mistakenly reported as drones.' 'We have not identified anything anomalous or any national security or public safety risk over the civilian airspace In New Jersey, or other states in the Northeast. The work continues.' 'But I want to stress again, our assessment at this stage is that the activity represents commercial, hobbyist law enforcement drones, all operating legally and lawful and or civilian aviation aircraft,' he underlined. National Security Communications Advisor John Kirby was under fire Friday for comments he made to address reports of drone sightings over New Jersey. He said there was no evidence of a 'national security or a public safety threat or have a foreign nexus' He cited federal 'resources and personnel' as supporting the efforts, including additional 'advanced detection technology' and trained observers. His comments came hours after Trump blasted the federal response as he made a comment, perhaps joking, that he was holding off on visiting his Bedminster, New Jersey golf course because of the situation. 'Something strange is going on,' Trump told reporters in response to a question about the drone sightings. 'For some reason, they don't want to tell the people.' 'They're very close to Bedminster. I think maybe I won't spend the weekend in Bedminster. I've decided to cancel my trip,' he said. Read More Chuck Schumer joins Democrats demanding info from Biden on the drones: 'What the heck is going on' Kirby's comments come days after New Jersey Republican state lawmakers blasted his prior response as 'idiotic' even as they were followed by new sightings at Naval Air Station Earle in New Jersey. Democratic lawmakers are demanding answers about the mysterious New Jersey drones that federal authorities and President Joe Biden have yet to explain. The bizarre unidentified aerial phenomena (UAPs) were first noticed hovering over New Jersey over a month ago, yet neither local or federal authorities have offered an explanation behind the lights that dash across the sky from dusk to dawn - notably disappearing during daylight. Biden has since tasked his agencies with finding out what is occurring over the Garden State, White House spokesman John Kirby said last week on Fox News . In the same interview Kirby, the White House National Security Communications Advisor, did not have an explanation to offer as to what was behind the UAPs, saying the president's men are still searching for answers. The Pentagon , FBI and Department of Homeland Security (DHS) have all been probing what is going on, and its of particular concern because these drones are flying over sensitive U.S. military instillations. Read More BREAKING NEWS Trump accuses government of hiding information on 'strange' drone frenzy As the unsettling sightings have racked the minds of residents living in the area with worry, the lawmakers representing these neighborhoods have been bombarded with questions. 'We're here today because it's not a bird, it's not a plane, it's a drone,' Senate Leader Chuck Schumer began a press conference over the weekend. 'And when it comes to drones, people in the New York area and all across the country have more questions than answers.' Schumer is the highest-ranking Democrat in politics outside of the White House, and his demands that the Pentagon, DHS and FBI provide answers are the weightiest yet outside of the executive branch. Biden has tasked his agencies with getting to the bottom of the New Jersey drone phenomenon, but so far lawmakers like Schumer and other Democrats are not satisfied with the odd lack of answers Schumer holding up a picture of a drone at a press conference over the weekend He raised concern that there have not been appropriate answers as to what is flying over NJ 'We've seen lots of recent, recent sightings in New York, New Jersey, Long Island, Staten Island,' he continued while holding up a picture of a drone-looking device pictured in a recent sighting. 'So it's remarkable with all these sightings over the last while, why do we have more questions than answers?' Speaking on Sunday Schumer pushed for methods to detect the drones. 'If the technology exists for a drone to make it up into the sky, there certainly is technology that can track the craft with precision and determine what the heck is going on.' He has announced an initiative to push for drone-detecting measures. Earlier in the weekend the New York Democrat floated the idea on X: 'I'm pushing for answers amid these drone sightings,' he said in the post. 'I'm calling for [DHS Sec. Alejandro Mayorkas] to deploy special drone-detection tech across NY and NJ.' 'And I'm working to pass a bill in the Senate to give local law enforcement more tools for drone detection.' This photo provided by Brian Glenn shows what appears to be multiple drones flying over Bernardsville, N.J., on Thursday, Dec. 5, 2024 In this image taken from video, what appears to be drones flying over Randolph, N.J., Dec. 4, 2024 Last week, Pentagon spokeswoman Sabrina Singh said the agency does not know what the drones are, however she could say that DoD has 'no evidence' that the drones are 'the work of a foreign adversary .' On Monday New Jersey Democrat Rep. Mikie Sherrill mocked this explanation on CNBC. She accused authorities of telling the public, 'Don't worry, they're not a threat,' while also claiming, 'We don't know what they are,' an explanation that she found mind-boggling. 'It just both can't be true,' she added. 'We need somebody in charge.' A former helicopter pilot, Sherill suggested using U.S.-made reaper drones to surveil the devices to determine what they are - a plan similar to Schumer's. Read More Biden Administration reveals simple reason why there are so many drone sightings in New Jersey 'So quite frankly, I think why we're here and why I'm so frustrated is that talking point of 'they're just commercial aircraft, don't worry your pretty little head,'' she said speaking to the hosts. 'That doesn't work in New Jersey,' she lamented. New Jersey Democratic Senate-elect, Rep. Andy Kim, went to view the phenomena himself in-person days ago and was still left with questions after his visit despite being accompanied by local authorities. 'Any images or video footage people get, the police urge them to submit to the FBI, but I haven't gotten any follow up yet from the FBI on their investigation and what they've compiled,' he posted in a thread describing his experience. He was told that the UAPs could be the size of the hood of a car and they would disappear when approached by helicopter. 'This has gone on for weeks. It's hard to understand how with the technology we have we aren't able to track these devices to determine origin and this makes me much more concerned about our capabilities more broadly when it comes to drone detection and counter measures,' he concluded his 13-part account. Alejandro Mayorkas has said a new Federal Aviation Administration rule may be behind the deluge of drone sightings across New Jersey and the East Coast Monmouth County is home to the Naval Weapons Station Earle, a navy base. Experts have mused that foreign powers could be targeting areas like this which harbor intelligence and weapons bases. (Pictured: points of interest in NJ where drones have been seen overhead) 'I've concluded the possible drone sightings pointed out to me were almost certainly planes,' the Democrat wrote in a follow-up. Republicans and Democrats on Capitol Hill told DailyMail.com last week about the concerning drone saga has gone on too long without sufficient answers. Firebrand Rep. Marjorie Taylor Greene called it 'bulls***' that the Pentagon does not have answers despite the sightings having gone on for over a month. Speaker Mike Johnson received a private briefing on the matter from FBI, DoD and DHS, though he has not spoken about what they have said. Mayorkas said on X Sunday: 'To date, there is no known threat posed by these sightings. If a threat is identified, the federal government will address it and communicate with the American public about it.' 'There is no question that drones have been sighted. It is also true that many reported sightings have turned out to be piloted aircraft. The technology we have deployed to New Jersey has confirmed this,' he continued. Joe Biden Pentagon New York Politics Share or comment on this article: White House gives major update on the source of drones swarming over New Jersey e-mail Add comment

Qatar tribune Tribune News Network Doha QIIB has announced a special offer in celebration of Qatar National Day, facilitating customers to enjoy luxurious dinner at selected restaurants on Al Maha Island with a 100% cashback on the bill when using QIIB Visa credit cards (Wajaha or Deyafa). As part of the offer valid from December 17 to 21, 2024, customers can enjoy a remarkable dining experience at Al Maha Island restaurants starting at 6:00 PM, with Viva La Vida and Bagatelle available on December 17, Beef Bar and Bagatelle on December 18, Carbone and Beef Bar on December 19, Salama and Carbone on December 20, and Viva La Vida and Salama on December 21. Under the offer, customers will receive 100% cashback on their bill when paying with a QIIB Visa credit card (Wajaha or Deyafa), up to a limit of QR1,000. Any amount exceeding this limit will be the customer’s responsibility to cover. Commenting on the offer, Khaled Abdulrahman al-Shaibei, Head of Business Development at QIIB, said, “We are pleased to introduce this unique offer to our valued customers. Our commitment to rewarding them in every possible way reflects our deep appreciation for their loyalty and aligns with their expectations—whether through our comprehensive range of products and services or the exceptional loyalty and rewards programs we provide. “We are happy to collaborate with the restaurants of Al Maha Island, a favourite destination for many of our Qatari and expatriate customers. We have ensured that the selected restaurants cater to the diverse preferences and tastes of our clients. We hope they enjoy a unique experience through this exceptional offer.” Al-Shaibei stated, “QIIB will continue to make every effort to enhance the customer banking experience through various channels, using the best technologies and practices in the local and international banking sector.” For more information about the campaign, customers can visit the QIIB website or check the QIIB’s social media platforms. Copy 17/12/2024 10'Best feeling ever'The San Francisco 49ers have gotten a lot from their rookie class in 2024, but the season is over for one member of it. Seventh-round pick Tatum Bethune has been placed on injured reserve, the linebacker having suffered a sprained MCL in last Sunday's surprise loss to the Seattle Seahawks. But the end of his campaign has provided an opportunity to veteran Tashaun Gipson. Gipson, who was a starter at safety for the previous two seasons, has been promoted to the active roster to take Bethune's place. San Francisco signed Gipson to its practice squad earlier this month. He had previously been activated for each of the last two games and will provide key insurance behind starters Ji'Ayir Brown and Malik Mustapha. But the window for another veteran to return is shrinking. The 49ers again elected not to activate interior offensive lineman Jon Feliciano from injured reserve. Feliciano was downgraded from questionable to out for Sunday's meeting with the Green Bay Packers, and the 49ers have until Monday to activate him to the roster before his 21-day practice window closes. San Francisco elevated cornerback Nick McCloud and linebacker Jalen Graham from the practice squad to their gameday roster for the visit to Lambeau Field. This article first appeared on A to Z Sports and was syndicated with permission.

LAS VEGAS -- The Milwaukee Bucks are making a return trip to the NBA Cup semifinals after falling short in Sin City last season. This time around, they'll have the responsibility of stopping one of the game's great entertainers in Trae Young and the Atlanta Hawks. Javascript is required for you to be able to read premium content. Please enable it in your browser settings. Cardlytics reports that card-linked cash-back offers represent a strategic stocking stuffer for smart shoppers navigating the expensive holiday landscape. Click for more. Holiday spending hacks: How to unwrap savings without sacrificing festive cheerThere’s a boom coming. Bitcoin has arrived, and its price is setting records. Artificial Intelligence is hot. And the American people just elected a president with a deregulatory mindset. All the ingredients are there. If everything is handled right, America will soon embark on a period of extended wealth creation rarely seen in modern history. For that to occur, a few things must happen, starting with the government staying largely out of the way. That’s hard to do since people rely on government to keep the currency and other mediums of exchange stable. It’s also supposed to root out and protect against fraudsters who take advantage of the hype surrounding any innovative technology to prey on unsuspecting, naïve investors looking to, as the saying goes, “get rich quick.” None of that has to be tossed overboard in pursuit of the newest “new economy.” As we move forward with the integration of crypto technology into the global financial system and overlay AI onto the manufacturing sector, Caveat Emptor — Let the buyer beware — is still a sound strategy for everyone. The better the industry educates the American public about what digital tokens are, how to tell the good from the bad, and how they can be used to transform commerce, the more quickly it will be adopted widely. The same goes for AI, which, up to now, is still talked about as though it were part of a science-fiction future where computers dominate humankind. What people don’t know or are choosing to ignore is that AI is already being used — to significant effect — in healthcare, energy, and manufacturing, leading to lower costs, increased efficiency and driving breakthroughs that benefit us all. The Mayo Clinic says that AI is already improving the quality of preventive screenings, diagnoses and treatments, particularly for cancer patients who are experiencing improved outcomes. Bitcoin is also making healthcare better, at least IBM thinks it does. The company has used blockchain, the technology that makes cryptocurrency viable as a transferable store of value, to make health data systems for the Centers for Disease Control better and safer. Accenture and Shell have partnered to use crypto technology to develop an airline booking system for American Express where business travelers can choose to reduce their carbon footprint by quickly matching them with flights that use cleaner fuel. There are groups out there, like the National Cryptocurrency Association, that are working to share information and best practices and educate consumers about the benefits of broader adoption of blockchain. They’re also working to combat misinformation and address the general lack of understanding at the end-user level regarding crypto. Blockchain seems to have a leg up on AI in this regard, but that’s perhaps because it’s been around longer. Nevertheless, the rules of the road are still being written. Gary Gensler, the crypto skeptic who served as chairman of the United States Securities and Exchange Commission under President Joe Biden, announced recently he’d be stepping down at the end of the current administration. Trump can now replace him with someone friendly to crypto who can promulgate a set of rules that will allow America to close the gap its regulatory inaction has created with nations like China, which are much farther down the road on digital finance. There is growing recognition that a similar effort needs to be made with AI so that the public better understands how it works. The American Association of Retired Persons is one group that recently launched a major initiative, but more needs to be done. Groups like it and the NCA can and should take the lead in educating the public about these technologies, how they work, and why they are worth paying attention to. Modern technologies are for everyone, not a select few. Increasing awareness and education will help us better leverage these technologies from both a practical and policy perspective and will open the door for safe and beneficial mass adoption. We need to bring the public along instead of frightening them.